---
schema_version: "secwatch.filing_event.v1"
accession: "0000950159-23-000009"
form_type: "8-K"
ticker: "TBBK"
cik: "0001295401"
company_name: "Bancorp, Inc."
filed_at: "2023-01-26T23:59:59+00:00"
generated_at: "2026-06-20T07:58:54.527164+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# The Bancorp Q4 EPS $0.71, up 54% YoY; confirms 2023 EPS guidance $3.20

## Summary
- Q4 net income $40.2M ($0.71 diluted EPS) vs $27.0M ($0.46) in Q4 2021, a 54% EPS increase.
- Net interest income rose 47% YoY to $76.8M; NIM expanded to 4.21% from 3.51%.
- Total loans ex commercial at fair value grew 45% YoY to $5.49B; GDV increased 13% to $28.07B.
- 2023 EPS guidance confirmed at $3.20, representing ~40% growth over 2022 EPS of $2.27.
- Share repurchases planned at $25M per quarter ($100M in 2023), up from $15M per quarter ($60M in 2022).

## SEC filing metadata
- accession: 0000950159-23-000009
- form_type: 8-K
- ticker: TBBK
- cik: 0001295401
- company_name: Bancorp, Inc.
- filed_at: 2023-01-26T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1295401/000095015923000009/0000950159-23-000009-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1295401/000095015923000009/bancorp8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950159-23-000009
- JSON: https://secwatch.observer/filing/0000950159-23-000009.json
- Plain text: https://secwatch.observer/filing/0000950159-23-000009.txt

## Key facts
- Earnings Releases
  Bancorp, Inc. reported the quarter ended December 31, 2022 results: net income $40.2 million, EPS $0.71 per diluted share. Guidance reaffirmed.
  - Period: the quarter ended December 31, 2022
  - Net income: $40.2 million
  - EPS: $0.71 per diluted share
  - Guidance: reaffirmed
  - Result: reported results
  source text: The Bancorp reported net income of $40.2 million, or $0.71 per diluted share, for the quarter ended December 31, 2022
  evidence_url: https://www.sec.gov/Archives/edgar/data/1295401/000095015923000009/0000950159-23-000009-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.